Resources

Here for you 24/7, to ensure your peace of mind and secure the best settlement for your claim. Take a look at our resources for moving forward with your claim.

The Power of Second Opinions

Just as individuals seek additional medical opinions for their health, protecting one’s financial investment in a home should entail the same diligence. With CPR Claims, homeowners can ensure that their property damage claims are thoroughly examined by experts who represent their interests—not the insurance company’s. Seeking a second opinion can lead to more effective solutions, uncover overlooked damages, and potentially secure larger settlements. As with health care, where diagnostic errors can alter treatment paths, property claims require acute attention to detail and expertise. CPR Claims is dedicated to providing that critical second review, optimizing outcomes, and ensuring homeowners get what they truly deserve. Trust in a team that prioritizes your best interests for a comprehensive evaluation and peace of mind.

Our Process

CPR's goal is to educate Claimants on their options after facing disaster.

Focus of a woman looking through paperwork stack of paperwork for claims process

Step 1 Take Control of Your Insurance Claim

Hiring a professional claims representative is a significant step toward ensuring you navigate the insurance claims process effectively. With expert support on your side, it’s time to take charge and manage your claim with precision and care.

Step 2 Develop a Detailed Plan of Action

With your claim now underway, the next critical phase is crafting a comprehensive Plan of Action. This stage involves thoroughly understanding your policy and leveraging every coverage aspect to ensure a successful outcome.

Papers and clipboards with pen and pencil

Step 3 Take Action: Negotiation Time

With your plan of action developed, it’s time to move forward with negotiations—the critical phase where preparation meets execution. This stage is about taking decisive action to secure the settlement that will aid your recovery process.

Step 4 Acceptance of Offer

After meticulous negotiations, you’ve arrived at the crucial phase of your insurance claim journey—accepting the insurance company’s offer. This step involves understanding and agreeing to the terms laid out, ensuring all aspects of your claim have been addressed to your satisfaction.

contractor holding a paper with ladder in background for insurance claim

Step 5 Contractor Selection

With the insurance offer accepted, it’s time to focus on selecting the right contractor to carry out the necessary repairs. This is a pivotal step in your recovery journey, ensuring your property is restored to its former condition—or better.

Step 6 Submit Paperwork to Mortgage Company

As your property restoration nears completion, it’s time to finalize the financial and administrative aspects of your claim. This involves coordinating with your mortgage company to ensure all requirements are met and funds are appropriately dispersed.

Pack-Out Cleaning Warning: Protect Your Financial Interests

WARNING: BE AWARE BEFORE SIGNING CONTRACTS, MITIGATION AUTHORIZATIONS, OR REPAIR AGREEMENTS. Insurance companies often pay vendors out of your settlement funds, not their own. This can lead to costly decisions that impact your financial recovery.

Costly Decisions
In the aftermath of a disaster, you’re faced with critical decisions that can financially impact your insurance claim. Without comprehensive knowledge of your coverage limits, policy limitations, and claim settlement specifics, these decisions could cost you thousands. It’s essential to fully understand your insurance policy, including your coverage limits, potential holdbacks, and how inventory claims will be settled before agreeing to any contracts.

Many factors must be considered, including your current employment stability, the market value of your home compared to its mortgage balance, and specific deadlines within your policy. Retirees or those on disability may have additional considerations. Be cautious of preferred vendors that your insurance company might suggest—they may encourage you to sign documents committing you to their services without clear cost estimates or necessary approvals.

Crucial Considerations
Never sign repair contracts or authorization forms without understanding the financial implications. Your policy might not cover code upgrades unless enforced by local building codes, potentially leading to unexpected out-of-pocket expenses. Ensure you have detailed, written quotes for all aspects of the pack-out and repair process, and confirm all received by your insurance company in writing. Avoid large upfront draws, and require multiple signatures for releases, especially if there is no mortgage involved. Be proactive in safeguarding your financial interests throughout the claim process by consulting with professionals focused on representing your needs—not those of the insurance company.

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